Metro Credit Union
Total assets
$122.5M
▲ +6.3% YoY
Shares & deposits
$106.5M
▲ +5.6% YoY
Loans
$71.9M
▼ -6.8% YoY
Members
9,200
▼ -1.9% YoY
ROA (annualized)
0.63%
peers 0.69%
ROE (annualized)
4.98%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Metro Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | -6.8% | +2.9% | -9.7 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 5.0% | 5.9% | -1.0 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 447 S Campbell Ave, Springfield, MO, 65806
- NCUA charter #
- 61840
- RSSD ID
- 164292
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $122.5M | $106.5M | $71.9M | $15.6M | $194K | 0.63% | 4.23% | 0.92% | 9,200 |
| Q4 2025 | $121.6M | $105.9M | $73.8M | $15.4M | $1.3M | 1.09% | 4.19% | 0.97% | 9,259 |
| Q3 2025 | $119.7M | $104.5M | $74.7M | $15.2M | $1.0M | 1.13% | 4.22% | 0.59% | 9,304 |
| Q2 2025 | $116.5M | $101.8M | $75.4M | $14.8M | $660K | 1.13% | 4.25% | 0.59% | 9,365 |
| Q1 2025 | $115.2M | $100.9M | $77.2M | $14.4M | $312K | 1.08% | 4.19% | 0.43% | 9,375 |
| Q4 2024 | $111.5M | $97.5M | $77.6M | $13.8M | $1.1M | 0.95% | 4.10% | 0.27% | 9,399 |
| Q3 2024 | $111.7M | $98.1M | $78.7M | $13.9M | $822K | 0.98% | 4.00% | 0.56% | 9,475 |
| Q2 2024 | $109.8M | $96.4M | $74.2M | $13.6M | $566K | 1.03% | 3.97% | 0.52% | 9,493 |
Loan mix (Q1 2026): real estate $22.0M · commercial $417K · consumer $43.9M · securities $22.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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